Pretty much this. But the very first time I get one, I'm getting a VPN asap.
I did for a time, freeload off of Nord VPNs free trial exploits, and kept signing up with a different email. But, this was mainly to keep changing my IP to bypass download restrictions. Also, Nord VPN is pretty good, I honestly wouldn't mind paying for them, if I actually needed them.
Nord is not bad, All 3 pc's in my home have it installed. it's fairly cheap for a 3 year package. Thou i haven't tried any other paid for VPN. But I've not had any warning from my ISP and I've been downloading torrents and from file share hosts for years.